The cost of car insurance in Oklahoma varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Progressive offers the cheapest rates at $1,194 a year for full coverage.
We’ve compiled this detailed guide to help you choose the right car insurance in Oklahoma. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how auto insurance in Oklahoma works and how much insurance you need.
- The average cost of car insurance in Oklahoma is $2,138 a year or $178 per month, based on our data analysis.
- Minimum liability coverage in Oklahoma costs around $408 annually for limits of 25/50/25, while liability-only coverage costs $657 per year for limits of 50/100/50.
- Progressive provides the most affordable annual rates for full coverage car insurance in Oklahoma, costing $1,194 per year.
- In Oklahoma, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 29%, a DUI raising rates by 43%, and an at-fault accident by up to 52%.
How much is car insurance in Oklahoma?
In Oklahoma, drivers pay an average of $178 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Oklahoma based on driver profile:
- Teen drivers in Oklahoma pay the most — about $561 a month or $6,726 a year.
- Young drivers in their 20s pay an average of $281 monthly or $3,376 annually, for car insurance.
- Senior drivers pay around $172 monthly or $2,060 a year.
- A speeding ticket can increase your rates to $226 monthly or $2,714 annually.
- An at-fault accident increases car insurance rates to $264 a month or $3,169 a year.
- Poor credit drivers usually see their car insurance costs increase to $339 monthly or $4,062 annually.
Average cost of auto insurance in Oklahoma by coverage level
Car insurance costs in Oklahoma can differ based on the coverage limit. To legally drive, Oklahoma residents must adhere to the minimum liability limits of 25/50/25.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Oklahoma. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Oklahoma car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $34 | $408 |
| Liability Only – 50/100/50 BI/PD | $55 | $657 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $178 | $2,138 |
State minimum car insurance in Oklahoma
Oklahoma laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability.
The state minimum coverage in Oklahoma costs $408 a year but doesn’t provide much protection for drivers. Oklahoma drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Oklahoma must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Oklahoma
According to CarInsurance.com data, liability-only car insurance costs $657 in Oklahoma for limits 50/100/50.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Oklahoma
The average annual premium in Oklahoma is $2,138 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Oklahoma
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, people living in higher-risk neighborhoods of Oklahoma have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Oklahoma
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
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Estimate car insurance in Oklahoma by car model
Car insurers in Oklahoma use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
See how much you’ll pay for car insurance for your specific make and model in Oklahoma.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Oklahoma
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Oklahoma drivers aged 30 to 60 have the lowest average auto insurance rates at $2,079 annually.
Oklahoma drivers aged 16-19 pay $4,647 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,726 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,229 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,079 per year in Oklahoma.
- For senior drivers: Drivers age 65 and older can expect to pay $2,060 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Oklahoma
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Oklahoma can increase your premiums by up to 43% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Oklahoma, you’ll likely see an increase in your car insurance premium by up to 29% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 29% increase
- DUI conviction: 43% increase
- At-fault accident (bodily injury and property damage): 52% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Oklahoma for high-risk drivers
In Oklahoma, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Oklahoma
In Oklahoma, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Start your search for the best car insurance policy in Oklahoma by getting quotes from several insurers for comparison.
Below are the details of Oklahoma car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Progressive | $254 | $372 | $1,194 |
| GEICO | $291 | $562 | $1,820 |
| State Farm | $289 | $500 | $1,861 |
| Shelter Insurance | $417 | $686 | $2,055 |
| AFR Insurance | $334 | $545 | $2,063 |
| Mercury Insurance | $343 | $564 | $2,237 |
| Allstate | $639 | $879 | $2,699 |
| Farmers | $641 | $1,133 | $2,717 |
| Oklahoma Farm Bureau | $619 | $934 | $3,295 |
| USAA | $268 | $408 | $1,447 |
Car insurance rates by city in Oklahoma
Warr Acres is the most expensive city in Oklahoma, with an average car insurance rate of $2,478 a year. Vera is the cheapest city for Oklahoma drivers at an average rate of $1,970 annually.
Car insurance rates vary by city in Oklahoma for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Below, you’ll see the average annual car insurance cost of major cities in Oklahoma.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Oklahoma per month?
In Oklahoma, a full coverage car insurance policy with 100/300/100 limits typically costs about $178 per month.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $34 |
| Liability Only – 50/100/50 BI/PD | $55 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $178 |
Final thoughts on choosing car insurance in Oklahoma
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Oklahoma.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Oklahoma. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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